621 Missouri Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 621 Missouri Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,194 sqft · built 1908
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Apr 2018)
Tax Bill	$1,844 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`76873`

Property Details

APN / Parcel Number

Primary APN	`76873`
Alternative APN	`012630000100410130`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,194 sqft Heated Area
Gross Area	2,454 sqft
1st Floor Area	1,194 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1985
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	300 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	1,182 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	76873
Street Address	621 MISSOURI AVE
City	SAINT CLOUD
State	FL
Zip	34769-2752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 41 LOTS 13 & 14 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	41
Legal Lot Number	2,13-14 14
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	43400

Owner

621 Missouri Ave is owned and occupied by two individuals who bought it in April 2018.

Source: Osceola County records, as of December 11, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	621 MISSOURI AVE, SAINT CLOUD, FL 34769-2752
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 29, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 18, 2018	Warranty Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2018 · Amount on File
Deed Sale	Apr 18, 2018 · Amount on File
Prior Sale	Oct 20, 2014 · Amount on File
Deed Document Number	2018061286
Deed Book / Page	5319 / 0809
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	621 MISSOURI AVE, SAINT CLOUD, FL 34769-2752
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	621 MISSOURI AVE, SAINT CLOUD, FL 34769-2752

Mortgage

Document Number	0063561315
Date	Feb 9, 2023
Book Page	6356/1315
Instrument	2023016303

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	303 Months
Due	May 1, 2048

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	621 MISSOURI AVE, SAINT CLOUD, FL 34769-2752
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	621 MISSOURI AVE, SAINT CLOUD, FL 34769-2752

Mortgage

Document Number	0059461806
Date	Apr 29, 2021
Book Page	5946/1806
Instrument	2021065118

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	May 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 18, 2018
Property Address	621 MISSOURI AVE, SAINT CLOUD, FL 34769-2752
Document Number	0053190809
Book / Page	5319 / 0809
Map Reference	MB B PG33&34
Instrument Date	Apr 17, 2018
Instrument	2018061286
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4310 WALLERTON CT, 4310, KNOXVILLE, TN 37938-3272

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	621 MISSOURI AVE, SAINT CLOUD, FL 34769-2752

Mortgage

Document Number	2018061287
Date	Apr 18, 2018
Instrument	2018061287

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 621 Missouri Ave was $1,844 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,844.00 Homeowner's exemption	$145,912	$248,600 Land $46,800 Building $201,800
2023	$1,720.00 (+4.31%) Homeowner's exemption	$137,670 (+3%)	$226,400 (+12.08%) Land $42,500 Building $183,900
2022	$1,649.00 Homeowner's exemption	$133,661	$202,000 Land $35,100 Building $166,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 621 Missouri Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 621 Missouri Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 439 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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